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Home > Finance & Insurance > NO ONE WILL INSURE A 2016 DEFENDER!!! PLEASE READ
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macfrank



Member Since: 05 Nov 2015
Location: somewhere in the north
Posts: 993

Germany 2015 Defender 110 Puma 2.2 SW Keswick Green
oh dear oh dear... Thanks for the insight. What do you do in Germany to renew your insurance: nothing. Cool
It's automatically extended after 12 months. If you want to have a cheaper premium you can cancel your contract by 30th November and change the insurance company by 1st January.
I have never heard of someone being rejected a car insurance.
Post #1018854 20th Dec 2023 9:35pm
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AMBxx



Member Since: 24 Jul 2016
Location: York
Posts: 985

United Kingdom 2015 Defender 110 Puma 2.2 XS CSW Orkney Grey
Works the same in the UK but only if you agree to it. I get 30 days notice of new premium to switch.

For my 2016 110 XS SW, it's about £300 from One Call. That's in rural Yorkshire, garaged at night. Business use included.
Post #1018879 21st Dec 2023 8:06am
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macfrank



Member Since: 05 Nov 2015
Location: somewhere in the north
Posts: 993

Germany 2015 Defender 110 Puma 2.2 SW Keswick Green
Ah, that sound more reasonable. My impression was, that you had to actively renew each year and could end up with no insurance. Then Jerry's and others' case was "just" about getting a lower premium (no offence, just trying to understand the system)?
Post #1018888 21st Dec 2023 9:54am
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Jerry



Member Since: 13 Nov 2015
Location: Cardiff
Posts: 169

2015 Defender 110 Puma 2.2 Adventure Phoenix Orange
Most companies offer renewal each year (and increase their premiums) but A-plan, a major broker for defenders, has declined to renew mine and others this year. So we are scrambling around with only a couple of brokers (their associated companies) now offering insurance.
Post #1018905 21st Dec 2023 1:02pm
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macfrank



Member Since: 05 Nov 2015
Location: somewhere in the north
Posts: 993

Germany 2015 Defender 110 Puma 2.2 SW Keswick Green
Ok, I see. Then maybe it's just the wording. Here we're not "offered a renewal" which we then accept or decline. It's just auto-renewed / extended if you yourself don't actively cancel by 30th Nov. If the isurer doesn't want you anymore, they have to cancel the contract, but that's usually only the case if your indiviual case became too expensive. Thanks again for the intercultural insights Smile
Post #1018909 21st Dec 2023 1:28pm
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Cragster69



Member Since: 15 Jun 2021
Location: Scotland
Posts: 166

Scotland 2007 Defender 110 Puma 2.4 CSW Cairns Blue
Just renewed with Howdens/A Plan.

Call started with the difficulties of insuring Defenders and the rising cost of Insurance. Was expecting to be told sorry no can do, or an extortionate premium
After removing the 500 Business miles I had on in just in case my Wife needed it for attending a birth in inclement weather. The Business miles also required me to take out a multi car policy.

End result I ended up with a cheaper premium than last year. Craig.

“Don't believe everything you read on the internet.” ― Abraham Lincoln

www.scotgrc.co.uk
Post #1019986 3rd Jan 2024 6:01pm
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Joe the Plumber



Member Since: 18 Dec 2013
Location: Midlands
Posts: 907

2014 Defender 110 Puma 2.2 HT Fuji White
My 2014 110 hardtop is with A Plan/Howdens. It has various practical mods (nothing cosmetic) and a BAS 170 remap, with the hoses and intercooler.

Last year I paid £335. This year, the best they can do is £610. I said I'd think about it, but after reading this, I'm probably going to have to take it.

The daft thing is, it's now on SORN, has perhaps done 200 miles in the last year and I'm going to sell it when I can muster the enthusiasm, as I've retired and I don't need it any longer. I think I can feel the enthusiasm building rapidly now.

Our (Fiesta) car insurance renewal was £1 more than last year.

Is there anything left in Britain that isn't a rip-off?
Post #1025452 21st Feb 2024 11:41am
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Bobtailkev



Member Since: 17 Mar 2016
Location: Suffolk
Posts: 108

United Kingdom 2011 Defender 110 Puma 2.4 USW Buckingham Blue
We are currently with NFU for our 2015 Double Cab. I dread to think what the renewal price will be in July. Our daughter, who is 30, has just had to pay over £1000 for her Evoque with 13 years NCB, which is double last year’s premium. They really have got us over a barrel haven’t they?
Post #1025511 21st Feb 2024 6:53pm
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Joe the Plumber



Member Since: 18 Dec 2013
Location: Midlands
Posts: 907

2014 Defender 110 Puma 2.2 HT Fuji White
They have. I managed to get mine down to just under £600 with a bit of grovelling earlier on today, but as I decided to pay it in monthly instalments, it's going to end up as nearly £700. I really must sell it.

The lady at Howdens said most of their insurers won't touch Land Rover vehicles at all now.
Post #1025529 21st Feb 2024 8:25pm
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lightning



Member Since: 23 Apr 2009
Location: High Peak, Derbyshire
Posts: 2247

United Kingdom 
l was reading through this thread with interest, the insurance on my 2022 90 HT went up from £300 to £700

What amazed me was some people managed to insure old style Defenders for £50,000 and £60,000. My local LR specialist dealer recently sold a 16,000 miles Puma 90 SW for £26,000 and they've got an unmarked 110 Puma SW at £29,995
l've been looking at a beautiful 22,000 mile 110 USW XS at £37,995


When l had my pristine 110 TD5 l couldn't get anyone to value it over £18,000.

How are you getting agreed values of £50/60,000 with your insurance?
Post #1028266 16th Mar 2024 12:55pm
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